I have had nothing but the best experience working with the associates at Flagstar. I have used their services twice in the past 4 years to buy 2 different homes. I had such a good experience the first time around that I went with them when we bought our second home. I have referred them numinous times to my friends who have had equal success and satisfaction. they even send me birthday cards!!

Absolutely horrible customer service! No one at Flagstar is able to make an independent decision. Every time I have contacted them about my home loan I have been transferred no less than FIVE times! They have separate departments for loan payment, insurance, escrow, late payments, interest. You have to have approval from them to pay more than your monthly amount, pay early, pay bi-weekly. If you want to pay less than your current amount due, you have to call them, which again takes five transfers and about 30 minutes on the phone. Terrible experience!